Major Rating Factors:
A current level of 18.1 percent of nonperforming loans to core capital combined with 15.5 percent from a year earlier contributes to the Fair asset quality (3.3).
Other Rating Factors:
Weak liquidity 2.4, driven by a liquidity ratio of 14.3 percent and a “hot money” ratio of 17.9 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.4 on a scale of 0 to 10).
Asset Mix:
Consumer loans (77%), home mtgs (2%), other (21%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
2321 Carter Avenue
Ashland, KY 41101
Ashland, KY 41101
Phone Number
(606) 324-0888
NCUA Charter Number
Largest Competitors
Radcliff, KY
Frankfort, KY
Ashland, KY
Ashland, KY
Ashland, KY